Every Cover. One Platform.

A single underwriting engine handles all the cover types your business needs, with product-specific rules, rates, and questionnaires configured per tenant.

Cover Type	Description	Single	Multi	Group
Life Insurance	Lump-sum death benefit paid to nominated beneficiaries on the life insured's death.	✓	✓	✓
Trauma / Critical Illness	Lump-sum payment on diagnosis of a defined critical illness or injury event such as cancer, heart attack, or stroke.	✓	✓	—
Total & Permanent Disability	Lump-sum benefit payable if the insured is totally and permanently disabled and unable to work in their own or any occupation.	✓	✓	✓
Income Protection	Monthly replacement income benefit paid during periods of disability caused by illness or injury, up to the agreed benefit period.	✓	✓	—
Business Expense	Reimburses fixed business overheads when a self-employed life insured is unable to work due to illness or injury.	✓	—	—
Health Insurance	Covers eligible medical treatment costs including hospital, specialist, diagnostics, and ancillary services.	✓	✓	✓
Accidental Death Benefit	Additional lump-sum benefit payable when death is caused directly by accidental bodily injury, independent of illness.	✓	✓	✓

Life Insurance

Life Cover at Any Scale

From simple term life applications to complex multi-benefit structures, iUnderwrite handles the full spectrum of life insurance underwriting. Configurable sum insured limits, age bands, medical thresholds, and loading tables mean your product team sets the rules — no development required.

Automated straight-through decisions for standard mortality risk
Configurable non-medical limits by age, sum insured, and occupation class
Escalating cover and indexation options fully supported
Loadings, exclusions, and declinatures generated with templated wording
Seamless referral to underwriter workbench for complex cases

Trauma, Critical Illness & Permanent Disability

Condition-Specific Underwriting

Trauma & disability underwriting demands precise, condition-level risk assessment. iUnderwrite supports per-condition medical questionnaires, specific loading tables, and condition exclusions — all driven by configurable rules without code changes. Handle everything from cancer and cardiac events to neurological conditions with the granularity your actuaries require.

Per-condition medical questionnaire branching logic
Condition-specific loadings, exclusions, and restrictions
Configurable lists of covered trauma events per product
Total & permanent disability (TPD) with any or own occupation
Partial trauma and severity-linked benefit structures supported
AI-assisted interpretation of complex medical histories for referral cases

Income Protection

Replacing Income When It Matters Most

Income protection is one of the most complex products to underwrite, combining occupational risk, financial underwriting, benefit period selection, and waiting period structures. iUnderwrite handles all of it — with occupation class lookups, income verification thresholds, and disability definition variants configurable per product.

Occupation class lookup with automated class assignment and review flags
Configurable benefit periods — 2-year, 5-year, and to-age options
Waiting period selection (14-day, 30-day, 90-day) with premium impact
Financial underwriting rules applied automatically to income evidence
Own occupation and any occupation disability definition variants

Family & Multi-Life

One Application, Whole Family

Families applying for cover together shouldn't face multiple separate journeys. iUnderwrite supports multi-life applications in a single session — each life underwritten independently under their own rules, with shared information captured once and applied intelligently across all members.

Single application session covering multiple lives simultaneously
Independent underwriting decisions per life insured
Shared personal and lifestyle information applied across lives
Child cover and juvenile benefit options supported
Combined premium summary with individual life breakdowns

Supporting Every Application Structure

Whether you're writing individual, family, business, or group cover, iUnderwrite adapts its workflow and underwriting logic to the application type.

Single Life

The standard application for an individual life insured. Fully automated underwriting from application through to offer letter — typically completed in under 10 minutes.

Multi-Life / Family

Cover multiple lives in one session. Each life is underwritten independently with shared data captured once and applied across all members of the household.

Business

Business expense, key person, and shareholder protection applications with financial underwriting rules specific to self-employed and business-owner clients.

Group

Group life, health, and TPD schemes with simplified underwriting, free cover limits, and employer/member split premium structures supported out of the box.

Life & Health Insurance Underwriting Across Every Cover Type